There are many reasons why I own a scooter, not a yacht, not least of which is the cost disparity. For example, I can ride my Vespa for about a month on what it costs a yacht owner to pull out of harbor.
Another reason: I don't need to put my GTS in a cocoon from September to May. I can ride all winter while big boat owners dream of the summer day they can fill up the yacht with hundreds of dollars worth of fuel. (Note to boat owners: you're welcome to disagree and invite me for a July cruise to change my mind.)
Still, it's sad to have to bundle up the boat for all those months. On the other hand, there aren't enough layers of long undies, nor thick enough gloves, to make an run through icy water a pleasant ride.
While on the subject of summer pleasures that don't draw people outdoors in winter: this is why I tend to eat indoors during the snowy months in Maine